Are Home Warranties Worth It for St. George Residents?
Yes, home warranties are worth it for St. George residents. Summers in St. George can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Winters in St. George can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Even St. George's irregular rain can affect your roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, a home warranty connects you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. You'll also pay service call fees each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is generally more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your particular needs before committing to a plan.
Coverage
Determine which systems and appliances you use most frequently. Most home warranty providers offer custom coverage tailored to your needs. If you only want coverage for certain systems, like your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Typically, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, defects, theft, or routine maintenance aren't covered either. Providers outline exclusions and limitations within their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
You should also consider provider reputation. You can also browse real customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reviews and ratings can show you how a company handles customer service and claims. Check with the Utah Division of Consumer Protection to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Quality home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in St. George
Is a home warranty required in St. George?
What are preexisting conditions?
What is St. George's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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